Michelle Gauchat, US head of banking and capital markets consulting at Deloitte, joins hosts Kristin Korzekwa and Bill Dworsky to discuss how 2023 has shaped retail banking strategy. Gauchat also talks about the importance of deposits and AI, challenges facing small businesses, and improving customer banking experiences. This episode explores retail banking trends, digital transformation in banking, and changes we can expect for payments and deposits in 2024.